debt debs

Personal Debt Wrangler – Had my money head in the sand – but no more!


18 Comments

Canada Day – Be Mindful and Be Brave

Canada-Day-Long-WeekendCanada Day isn’t until Tuesday July 1st, but basically this is the CANADA DAY long weekend, with many people extending their weekend if possible.

Happy Canada Day to all my Canadian friends.

I am very fortunate to be able to go to my Dad’s cottage for the weekend, meet up with extended family and kick back and relax.

In the spirit of winding down and reflecting, I’m not going to inundate you with lots of frugal tips or financial updates, even though it is the end of the month.

In fact, what I was going to write about will just make this post entirely too long, and I want to vary it up a bit after Brian so aptly pointed out that I rock write a long post!

I’ll save that for another time and just share a few personal tidbits with you.

Be Mindful

Natalie @ Debt and the Girl wrote about The Dangers of Black and White Thinking which I found quite interesting because I’ve always been a black and white girl.  I always labeled every situation as either bad or good, without even realizing I’m doing it.  Shades of grey has never come naturally for me.  I don’t know why, and I’m incredibly interested in human psychology, so would love to understand it a bit more.  Some discussion in the comments about whether this way of thinking comes from life’s experiences or not.  I don’t know and I’ll probably never find out, but it is quite fascinating.

But what I want to say about that is, you can change the way you think by being mindful as Budget Bloggess discusses in Distracted from Spending: Summer Weekends.  I wouldn’t have really had believed before, but I’m halfway through my second reading of The Power of Now and now understand this phenomenon better and practice it in my everyday life.

It makes it easy to log-off from work at the end of the day, knowing that the pile of work will still be there tomorrow and all I can do is prioritize and continue doing my best.   It makes it easy to make a fast decision to stop working for a bit because my grandson has dropped in unexpectedly and I won’t trade those interactions for anything.  It makes it easy to not bear guilt about what I may not be able to do for a family member or friend but feel joy when I can.  Life can be short, so we have to approach it in an inspired and mindful YOLO fashion, but not a reckless and irresponsible way.

If you want more writings that touch on this topic, check out:

How Being Humble Helps Us to LIve a Happier Life from Hayley @ A Disease Called Debt

The Power of Mindfulness from Stefanie, Staff Writer @ Prairie Eco-Thrifter

… and While Being Mindful … Be Brave

Yesterday I was babysitting my grandson for the evening while his folks attended a wedding rehearsal and dinner.  In the true spirit of mindfulness, I was savoring every moment.  We played on the floor with his toys, turned on Disney channel for a few minutes (don’t tell Mom), I fed him (or tried to feed him, he wasn’t hungry as he had a late lunch and was breastfed by his Mom just before she left), took him for his bath and brushed his teeth.  By that time my husband had arrived to lend a helping hand so we did jolly jumper time, then stories, some bottled breastmilk (which he drank half of surprisingly, we haven’t had much luck with that  before) and bed.  He ‘fake’ cried for a bit doing his usual rocking and banging his foot on the mattress (I was watching closely on the monitor) and eventually went off to do-do land.

I was in such a state of joy and yet it was typically a very sad day for me.   Nine years ago yesterday, my Mum passed away suddenly and unexpectedly, alone at home from heart failure.  My father found her, when he returned home from a day at the cottage with my husband and brothers-in-law.  He found her in her bed with her tea cup partially drunk and her crossword puzzle and pen still in her hand.   My parents had been at our house the evening prior and we had a wonderful impromptu dinner, my children were all in attendance (which in itself was unusual given the age they were and all their comings and going), one of my sisters/BIL and a niece and a nephew.  Another sister/BIL had spent a similarly meaningful evening with her the night before.   Looking back, those experiences seem like they were a foreshadowing of what was to come.

I found something really fascinating yesterday, while I was feeding my grandson.  He became mesmerized with my ring on my hand which is a diamond solitaire ring belonging to my Mum.  He was pushing it around my finger, over and over again for a very long time considering he is an eight month old.  It felt like Mum was there with us in the room, just the three of us.  I became even more mindful at that moment.  It was pure peace and happiness.

I can’t remember if this little episode happened before or after the ring pushing incident, but here he is, after spitting out most of what I put in his mouth, but entirely fascinated by his Nama singing Brave to him*.

*Click here to view directly on YouTube

A Few Callouts

I would like to thank MrCBB @ Canadian Budget Binder for linking to my recent Top Ten in his Friday post – Should The Brick honour this customers claim on her extended warranty? : PF Weekly Grab a brew #78

I am very humbled to be nominated by Josh Rodriguez for the CNA Finance Personal Finance MVP Award! over at CNA Finance.  I’m in very highly esteemed company with David Carlson from Young Adult Money and Laurie from The Frugal Farmer.  Big congratulations to Will Lipovsky at First Quarter Finance for winning the first award!!  You can vote by leaving a comment in the post or send an email to CNAFinanceHelp@gmail.com!

We’re minding my grandson again tomorrow and then out of internet range for a few days.  Good weekend and good finances all!
Debt Debs out.

* I have it on my tablet and play it for him, along with Happy and Under the Sea (The Little Mermaid).

P.S.  Man I still can’t write a short post!

brokeGIRLrich
This post is part of #FinSavSat blog hop.
Click on the picture above and join in!
Advertisements


58 Comments

Top Ten Reasons You Need to Manage Your Finances

Big big post for you here today folks.  It’s time for another Top Ten Reasons à la David Letterman style. This time I’ve brought my good blogger friends to back up my points.  You know, just so you don’t think I make this stuff up and all.

Last time I did the Top Ten I kinda screwed it up. I forget that Dave goes in reverse. What can I say? I was a Leno fan.

Speaking of the Tonight Show, who’s enjoying it with Fallon as the host? I love the opening music (don’t ask why, but if I turn the channel too late after watching the news and miss the opening music I’m bummed up.  Hey hey hey hey….Hey hey hey hey… Hey hey hey hey… hey hey hey hey)

It’s definitely different than Leno. I like the musical numbers he does.  Plus he does a good Vladimir Putin.  I miss headlines, and jaywalking though. Did anyone see it the other night when they had the zoo animals on?  No?  Okay well you’re in luck because I have it for you below.

At about 3 minutes in the trainer pretended the little albino alligator snapped at Jimmy and he ended up in the corner because he got so scared.   Then they brought the big mama albino alligator out and he looked like he was going to run out of the studio. Meanwhile his female guest, Rosario Dawson, was handling the little white baby like a pro.

You can view the video directly on YouTube by clicking here

Also see the follow-on video with Roxie the big big elephant here.  I’m a little reluctant to share these videos because I’m not a big fan of animals in captivity.  Share your thoughts in the comments, if you like.

Anyways, I digress, so back to the Top Ten.

Top Ten Reasons You Need to Manage Your Finances

goats-kids#10.  Your kids – Read this heartfelt story from Vanessa of the Cash Cow Couple who wrote at The Heavy Purse

The Surprising Consequences of Keeping Your Kids in the Dark about Your Finances

Vanessa explains how important it is to explain any ways you are managing money in an open and practical manner, focusing on the positive with your children.  You do not want to create fear in your child which can develop into unhealthy money and spending habits that take years to overcome.  As a mother, I wonder if I’ve made these mistakes, even if meaning well.  All I can do is look forward and help educate other parents about this as well.

Top Ninth Reason You Need to Manage Your Finances

fast-food-not-frugal#9.  You may end up having to go on a cash diet – Grayson Bell at Frugal Rules is putting himself on one because he says he’s spending too much on fast food.

It is Time to go on a Cash Diet

There’s no shame if you have to go this route, it’s better than letting a problem perpetuate and maybe become an even harder habit to break.  I’ve decided I may need to put The Irishman on a cash grocery diet if the poker chips don’t work.  What is it with men and grocery stores?  Is it just mine?  OK, then, carry on.

Top Eighth Reason You Need to Manage Your Finances

duck-bill#8.  You may be paying for stuff you don’t know about – Dee at Color Me Frugal found out the hard way when she was suddenly billed for something that apparently was in the contract but they weren’t aware.

Why It’s Important to Check in With Your Billers Regularly

At least through some whining negotiating she was able to cut her losses in half, but if she hadn’t checked her bill closely she would have been none the wiser for that time and going forward.  BTW, the duck named Bill totally agrees with me.

Top Seventh Reason You Need to Manage Your Finances

Bread#7.  You’re paying for a lot more than the food you order when you eat out according to Karen at Suburban Finance.

Hidden Costs in Restaurants

She reminds us of the extra costs of sides and add-ons as well as the variability across geographies.  What get’s me the most is how these options are always presented in such a way as to make you think they are doing you a big favour, bringing you bread or asking if you like something extra, with no hint that there’s extra cost involved and they’re just trying to up-sell and increase they’re profit margin.  Good marketing for them… bad for you and your pocketbook!  Besides who wants to pay extra for bread that looks like worms?

Top Sixth Reason You Need to Manage Your Finances

gas-prices#6.  You may be missing out on better opportunities if you don’t do the math and calculate your costs that support your income earning potential or even just your costs to support your family.  How many times have you driven across town to hit a sale but basically blew most of your savings on gas?  Crystal at Budgeting in the Fun Stuff discusses how this has impacted her in:

Opportunity Costs at Work

Now with the price of gas these days is through the roof.  I use GasBuddy.com to find the best prices in my vicinity.  $139.8/litre last reported 50 minutes ago at my favourite nearby station (which in US gas terms is $4.915/gal  using these handy dandy Bank of Canada daily currency converter and gas converter tools!)

Top Fifth Reason You Need to Manage Your Finances

Germany#5. What if a great opportunity came along, something you always wanted to do but then you couldn’t because you didn’t have the financial means necessary to support the endeavor?  So like, let’s just say that Erin of Broke Millennial had this chance (she doesn’t) to move to Germany (she’s not) but didn’t have the funds to pay her way over until she could get reimbursed by her new employer?  Ya, that would suck ay?  Well Erin explores all things about why she should move to Germany in … drum roll…

Perhaps I Should Move to Germany?

Basically she proves that she would never be caught with her pants on the ground and not ready to move to Germany or anywhere if the right opportunity came up because she rocks managing her money!!   Besides, who wouldn’t want to move to Germany on a moment’s notice with cool looking architecture like this?

flickr-John-MorganTop Fourth Reason You Need to Manage Your Finances

#4.  If you manage your finances then you have extra money to buy important stuff like dividend paying stocks which is a nice form of passive income.  I don’t have any extra money these days so I just drool when I read posts like this from Dividend Mantra.

Recent Buy

So I just follow a long like I’m using play monopoly money so I can learn the ropes and look forward to the day when I have some extra cash and I can write a post call Recent Buy except I will call it Decent Recent Buy, because my name is Debt Debs and I have to get at least one D and some rhyme in there because that’s how I roll.

Top Third Reason You Need to Manage Your Finances

Dollar-Store-shopping#3.  Wow, I can’t believe I’m already at #3.  For this one I need to say categorically you need to manage your finances so that you can shop at the dollar store.  Huh?  Yes, you need to shop at the dollar store for two reasons.  #1 you can get some okay things at the dollar store and there is no reason to go buy some overpriced thing when the dollar store version is just fine.  Girl Meets Debt knows about some of these things and also some that you should not buy at the dollar store.

5 Things to Buy (and Avoid) at the Dollar Store

I’d like to add pens to her list of things to buy at the dollar store.  But what’s the #2 reason you need to shop at the dollar store?  You need to remember what it was like when you shopped at the dollar store to get your shopping fix because you didn’t have any money and spending just $10 on some dish cloths, some plastic hangers, a couple of cards and a candle was enough to make you realize, you didn’t need to shop anymore to feel good.  Stay humble…. and never be a collector of needless stuff again.

Top Second Reason You Need to Manage Your Finances

standard-poodle#2.  If something is really important to you and you need money for it, it’s not fun when you don’t have the money for it.  Our beloved standard poodle passed away January 2013, and though I still grieve for him, I think I will soon be ready to get another Standard Poodle, this time from a rescue organization like SPIN or SPRO.  It just sucks that we don’t have the money in our budget because pets can be expensive.  But I bawled my eyes out yesterday when I read about LBee & the Money Tree having a really rough week losing her beloved dog, Murray.

For Murray

Her love for that pooch was so apparent in her words and the wonderful pictures she shared.  It reminded me how much we loved and miss Fergus, and know that one day, we will share our love again with a standard poodle rescue.  It’s not a matter of if, it’s when.  And if I had been a better money manager, it would be tomorrow that I would get another dog.

The #1 Top Reason You Need to Manage Your Finances

happy-piggybank#1.  And the #1 reason why you need to manage your finances is an oldie but goodie found on Rockstar Finance from Will at First Quarter Finance.  You may find out that you actually enjoy saving money!

How to Enjoy Saving Money!

Now there’s a novel concept, and one, I myself, can vouch for!  Go figure…

Images courtesy of morguefile except where noted
Monopoly Money / John Morgan / flickr
Dollarama / Michael_Swan / flickr

Happy #FinSavSat folks!  Enjoy your weekend!

Debt Discipline
no-ring-not-engaged-or-married


44 Comments

Worth it Wednesday ~ Debt and the Single Girl

Please welcome my pal, Shoe, whooops 🙄 I mean Kayla, who is guest posting here today.  I’m posting over at her site, so head on over there when you’ve finished reading this great share.  Without further ado, or should I say “I do”, I give you … Debt and the Single Girl.


 

no-ring-not-engaged-or-marriedLast week would’ve been my 4th wedding anniversary, if I’d have stayed married. But since I didn’t, June 5th is just a day like any other.

June 5, 2010 was my wedding day. I wore a gorgeous dress and got married to a man I, apparently, didn’t really know. When it came time for my trip down the aisle, I looked up at my dad and bawled.

Talking to my friends and family later, they thought I was crying “happy tears” but in reality, I was terrified and didn’t really want to go through with my wedding; if I had known then what I know now I wouldn’t have said “I do” to that cheater.

Now, don’t worry, I’m not going to go and get all sentimental and weepy on you! I actually learned a lot about myself and what I want in life by going through that experience. I know it did me good and I’m a lot stronger for it now. Plus now I’m comfortable and I actually love being single!

With that said, I think it’s important to note that paying off debt while single has its own set of advantages and disadvantages when compared to paying off debt while married or in a long-term relationship.

Advantages of Paying off Debt While Single

Because I’m single, I have the advantage of being able to set my own financial goals and budget. I’m able to decide independently how much money I’ll spend on entertainment and fun each month. Along those lines, I also get to decide how to use the money I set aside for that purpose. I’m never going to end up spending my hard earned and sparse entertainment budget on something I don’t want to do, like going to a football game or going to a movie at the theatre that I don’t want to see.

Another thing I love is that my free time is my own to do with as I please. This may not seem to have much to do with paying off debt, but because of my side hustles, (weekend job, cleaning the office building I work in, etc.) not only is my money a luxury, but my free time is valuable as well. If I want to watch chick flicks on Netflix for 10 hours straight while stuffing my face having a snack on my (rare) day off, I can! There’s no one there to stop me or complain about my choice of entertainment.

All you mother’s out there, please don’t take offense to this one. As a single girl without the responsibilities of marriage or children, I’m free to dedicate as much “extra” time to my career and side hustles as I please. I never have to worry about being home to spend time with my husband or pick my kids up from school or day care because I don’t have any! I truly respect those of you who are willing and able to do both – dedicate time to your side hustles/career and your family – to get your debts paid off, but I truly believe I have it easier since I don’t have both demanding my time.

Disadvantages of Paying off Debt While Single

It may seem crazy, but being able to set my own financial goals and budget is also somewhat of a disadvantage of being single. I’m still working hard to increase my self-discipline when it comes to my eating out and shopping monsters! Having another person to provide for and share financial goal with each month would give me some additional accountability, which isn’t a bad thing.

Being single can also be lonely. I’m not trying to make you feel bad for me, it’s the truth. Like I said before, I truly love being single and living on my own, but sometimes I feel lonely and end up spending a bit of money to get more human interaction. Usually I end up paying for a meal out or a drink with one of my girlfriends. The other down side is that the majority of my girlfriends aren’t single so they only have a limited about of time to spend together before they go home to their husbands. Luckily, I have my pets at home to help this loneliness happen less frequently. I highly recommend having a pet if you’re single even though they do cost money!

Sometimes I find myself feeling jealousy toward my married friends, not because I truly want to be married, but because they have the luxury of not having to work at all or at least not as long or hard as I do. Of course this could also be because they managed their money better and didn’t get into debt, or aren’t actively working to get out of debt. I have a lot of friends who I know are in at least some debt and yet they are able to only work part time because their spouse brings in a larger income. I try not to be, but sometimes I am jealous of their free time and flexible schedule.

Having children or getting married is a great motivator. There are lots of people who choose to get out of debt before getting married or having kids. These are great milestones to hinge your debt freedom on, since they are big motivators for most people. Knowing that I love being single and that I don’t plan on having kids means I don’t have those built-in motivators along my journey. Spouses are also great to lean on and bounce ideas off of. Because I’m single, I don’t have that built in support either.

What do you think? Are there additional advantages or disadvantages of paying off debt while single or married? Which do you think is easier?

Shoeaholicnomore (Kayla) is a mid-20s single girl living in the Midwest. She is focused on paying off her consumer and student loans, while simplifying her life and closet. You can join her on her journey at Shoeaholicnomore.

Image courtesy of David Castillo Dominici at FreeDigitalPhotos.net


 

Happy Hump DayDon’t forget to check out my post at Shoe’s site on Debt Games.

Lotsa crazy going on there, but it kinda works!!!

Hope you’re all having a good week!

Happy Hump Day!

~debt debs~

 


27 Comments

Worth it Wednesday

Worth It! WednesdayThis will be the first in a series of Wednesday posts if I can get my act together.  I want to write straight from the heart, even if my posts may be strange and quirky.  I pinky swear that they will still be personal finance related, with emphasis on the personal.

Where’s My MOJO?

Ya, so just over a month in and I haven’t found my groove yet to say that I’m comfortable with this blogging thing.  Lots to learn and lots to think about.  Here’s my random thoughts on this topic:

  1. I’m devouring reading lots of blogs which helps me to decide how I want to define my blog content.  Why reinvent the wheel?  You all have lots of great stuff that I can’t begin to replace, nor do I want to.  (aka I need all that info, baby, if I’m gonna learn how to get things right, one freakin’ payment at a time)  Smiling at you here, Shannon @ Financially Blonde as an excellent example of many!
  2. Researching and then writing about financial topics that I’m not familiar with takes time.  But if it’s something I need to know more about, it’s a good way to assimilate the information in my head.  Hoping it will help someone else to get through what can be rather dry topics, I want to try to put a fun spin on them (otherwise I may never get through them, LOL).
  3. I want to have some personal content in some of my posts too.  By that, I don’t just mean financial vomiting of my numbers (although I must confess I love reading those posts from y’all), but also some relationship,  psychological, spiritual and emotional divulsion.  Here’s hoping I can put it all out there.  Be gentle or smack me, your call.
  4. Oh.my.blog, I almost forgot about it when I got totally distracted reading all the PF blogs I could find.  I read and commented, and commented and read (that’s always fun, write a random comment and then read the post to see how relevant your comment was…. kidding… totally kidding.  I signed up for everyone’s posts and comments and now I can’t find my inbox.  Has anyone seen it?  No, I’m serious now… I can’t keep up with the emails and for an detail oriented perfectionist, this is rather disturbing.  I think, I’m about two weeks from Sunday before I can dig out.  I may have to blow up my inbox, which means I’ll probably start to cry.  Please pass the tissues.
  5. OK, so what’s the secret to commenting – leaving comments, follow-up comments, reading comments, the whole shebang?  I like to read all the comments, and I love to see the responses to my comments.  However, my email does not return the affection.  So I’m thinking of doing the following:  leaving the post open as a tab and then checking later if my comment has been responded to.   Tell me how I can manage this so I don’t die Strategies gratefully appreciated.
  6. I got busy with social media, well mostly Twitter, since Facebook is a bust (as everyone reports).  Plus I can’t invite all my FB friends because I blog incognito (like my new sunglasses 😎 ?)  I’ve started also some Pinterest boards, namely Frugal Living, Investing Tips, Personal Finance Blogs, Favourite Blog Posts I’ve Read, Side Income Ideas and Blogging Tips.  This is how I’m going to organize myself, because as I said, my email is dying a quick death… plus I like pictures.
  7. So what started out as an a’tude of I’ll blog when I feel like it, and was 2-3 times per week, has dwindled to a paltry once on Saturday (sounds like my sex life used to be, don’t ask how it is now).  I wanted to blog adhoc – it suited my personality, but when Dr. Phil found me crying in the corner and asked me “How’s that working for ya?”  I had to admit that I need to find a balancing act (or join the carnival).  So, Wed and Sat it is folks!  For now… until I change it….. with no warning…  ha!

What’s in a Blog Name?

Today is William Shakespeare’s birthday.  Dude is 450 years old!  Check out what his twitter would be or was not to be.  His tweets sound old though.  I sound a lot younger than I am.  I digre$$.

So one of those nights when I was voraciously eating blogs, I came across a post late, late one night that got me panicked.  Can’t find the post now … I guess that’s one of the tricks of the trade I haven’t learned yet.

debt debs held for ransom
Anyhoo, I used to blog under the wordpress free domain site.  Well this post talked about people who buy up domain names so that if I later wanted to have my own domain name debtdebs.com instead of debtdebs@wordpress.com, I might not be able to.  Something about people buying domain names and holding for ransom.  Internet domain piracy!

Well, I had hummed and hawed about paying $18 to buy the domain name (which later turned out to be $26 for some reason), but I whipped out my credit card right quick at 3 a.m. while my husband slept soundly beside me.  He was none the wiser.  Not that it mattered, because I’m the watcher of the money pots these days.

I’ve been thinking about writing this sort of post for awhile but Addison @ Cashville Skyline inspired me to get ‘er done with Have You Conducted a Productivity Audit?  You should go check out her spreadsheet analyzing her day.  I got all warm and goopy feeling when I saw it.

Any words of wisdom say ye?


21 Comments

Frugal Fraggles, Rocks and Poodles

03 Aug 2008 097Is anyone wondering what this strange picture is that I have as my avatar?

I am, so I interviewed myself to find out what’s up with that.

Ya, what is it?

This is a Fraggle.  It was lovingly hand painted with gel pens in a pseudo tattoo on my arm by my niece.  We have a book at the cottage which the kids used as a reference to create their own hand drawn tattoos.  I highly recommended this activity for kids.  Shannon Ryan @ The Heavy Purse has lots of great ideas on  how to raise financially literate children.  This qualifies as a frugal activity for your kids.  We bought the gel pens at Costco in a multitude of colours and they lasted for more than two summers.

Oh, but what’s a Fraggle?

Fraggles are the muppets characters in a series from Jim Henson called Fraggle Rock.

I think my tattoo is a variation on the character called Wembley in this very appropriate video for a PF blog of Wembley’s 30 minute work week!

*To view this video on YouTube Click here

Why did you choose this image for your avatar?

I wanted something fun.  Plus I think it looks like he is running away screaming from his debt, dontcha think?

I can identify.  So we instantly bonded.

Plus I wanted to hide under a rock when I first acknowledged out debt situation.

Fraggle sounds a lot like frugal.  I’m in love.

While we’re on the topic, do you have any other rock connections?

Painted RockI painted rocks one summer.  I found smooth and unique and oddly shaped rocks and painted them.  Some with loons and ducks on them.  Some with words and sayings and poems.  I found a new canvas for my acrylic paints.  It was fun!  And mighty cheap entertainment.  At left is a cardinal painted on a tiny rock.

BrokeGirlRich wrote about her trip to the big ball of twine in Darwin, Minnesota and included a video and song from Weird Al Yankovic.  (It’s quite hilarious … you should watch it!)   In it he talked about Poodle Dog Rock which appears to be somewhere in Nevada.  I couldn’t put a picture on this post, as I couldn’t find one available under Creative Commons License, so I’ve just linked a beautiful night photo of it.   Here’s another big rock that looks like a dog.  Upon further inspection, both photos look more like a mini poodle rocks.  My  penchant is for Standard Poodles… yup, the big big poodles.  Here are some beautiful poodles up on a big rock mountain.   Karen says they’re yodelling.  I think they are singing the song mentioning Poodle Dogs.

Flickr: Karen

Flickr: Karen

There's Elvis-O-Rama, the Tupperware Museum,
The Boll Weevil Monument, and Cranberry World,
The Shuffleboard Hall Of Fame, Poodle Dog Rock,
And The Mecca of Albino Squirrels
We've been to ghost towns, theme parks, wax museums,
And a place where you can drive through the middle of a tree
We've seen alligator farms and tarantula ranches,
But there's still one thing we gotta see ....
Flickr: Karen

Flickr: Karen

Some other cute photos of poodles and rocks that I have no license to include in this post, so I’ll just provide the links:

OK clearly I could go on and on with STANDARD poodle picture links to poodles and rocks.  Either I’m off my rock(er) or I just love standard poodles that much.  You be the judge.

flickr:  Erica Frank

flickr: Erica Frank

Speaking about rocks, I’m heading up to Sudbury, Ontario for Easter.  Anyone that knows the city will acknowledge it is built on one big pile of rocks.  Along the same lines as the giant ball of twine, Sudbury has a giant nickel.  I wonder if the nickel will be next to become extinct, now that the penny is gone.

Gros Morne NFLDOf course, the place in Canada, that’s known as THE ROCK is the island province of NEWFOUNDLAND.   Here’s a photo from Rocky Harbour near Gros Morne National Park.

Last point on the subject of ROCKS, have you ever listened to the works of Carl Reiner interviewing Mel Brooks as the 2000 year old man?  At about 5 minutes in, they talk about the first language being the ROCK language.  I won’t say more but let you listen to it.  I find this very entertaining.  Before that, about 4 minutes, they talk about the jobs that were existing 2000 years ago, among those being hitting a tree with a piece of wood, looking in the sky and watching each other.  Tough work if you can get it.   Enjoy!!

*To view this video on YouTube Click here

So that’s all I have to say on rocks and frugal fraggles and frisky poodles.  Have a rockin‘ Easter weekend!

brokeGIRLrich

This post is another as part of the Financially Savvy Saturdays blog hop.

Click on the link above and join in!

"Alcohol and Ulcerative Colitis" by Kimery Davis Attribution License


53 Comments

Booze Budget

https://flic.kr/p/jWkzYF

“Alcohol and Ulcerative Colitis” by Kimery Davis
Attribution License (from flickr)

When spending needs to be lowered to match income, usually cell and home phone plans are renegotiated, brown bagging of lunches begins,  eating out is well curtailed …. ya da ya da ya da.

We’ve all been there right?  OK, well some of us have been there.  Any frugal readers retiring early out there…. I’d love to know your take on this.

So Debt Debs and The Irishman have done their bit.  Well Debt Debs has done a lot and The Irishman has grudgingly been pulled along.

I have the numbers along with graphs, people!  I know you want it!

OK, I need to clear up something first though.  I was working on a brilliant post to educate everyone me on the Power of 72 (hands up if you’ve heard of that :ponder:).

I thought I’d change things up a bit from the focus on debt and look at a$$ets for a change.  Oh, big mistake.  Apparently, I have none.  Well that would actually be lying, because I do have some but not ones that fit well with the Power of 72… or is it the Rule of 72?

Ya, I had negative numbers, and upside down numbers and way up numbers to oh so low numbers.  So I decided to show you my a$$ets per the rule would be more embarrassing than showing you my a$$.  At least not until I go to Class of 72 training.

Ahem… since there is no money in my budget for “72” training, you will have to wait until I self teach myself and then you can all yell at kindly point out to me as to how I’m doing it wrong.

So for today, we are going to focus on Booze.  Pretty hard for a Monday, right?  Ya, well sometimes it’s the hangover we need to cure us of our ills.

Why do I want to focus on BOOZE you ask?  Well, I was a bit miffed on Friday when the Irishman spent almost $70 on it,  which is almost all our total monthly budget of $75 in one shot.  This, coupled with a perception that spending in this area has been going up recently, made me decide to launch an audit.

$75 / month may seem high or may seem low to some of you.  Generally we tend to consume more in the summer, so I like to underspend this budget in winter so that we’ve got lots available come cottage weather.  Well actually I’ve never done that, but a goal is a goal, right?   Like I’m not gonna spend it in summer ….

We started last year making our own wine at a wine making store.  That has helped costs a lot (and increase consumption somewhat but we won’t go there).   However, we have run out and recently have resorted to lovely bottles of Jackson Triggs Pinot Grigio, high quality wines like that (actually, they’re not bad).  I have resorted to nagging The Irishman to starting another batch of ferment-your-own.  I may have to step up the pressure.

So first I check the actuals versus budget this year from MINT:  Mint  Budgets - Alcohol

Hmmm… not bad at all, but this does not include the $70 above which has not hit my credit card yet and thus not in MINT.  However, there is not a lot of savings so far to carry us into the high usage summer period.  Generally I like to see this number quite negative at this time of the year.  Better do some comparison to previous spending.  Just so you can audit me auditing my figures, I present you now, THE NUMBERS (if you can read them):

2012 Booze Spending

2012 Booze Spending

2013 Booze Spending

2013 Booze Spending

2014 Booze Spending

2014 Booze Spending

Don’t worry about the colours.  They represent spending on different credit cards.  Ya, I’ve now standardized on one that gets me big points because I’m a smart cookie.

So a visual glance shows things don’t look too bad in 2014.  Definitely improving over the years.  Need to do a deep dive.  Let’s look at the pretty graphs:

Booze Trends

Jan_Mar Comparison
Oh my… look at March 2012.  LOL That was the month of D-Day (debt acknowledgement day).  Lots of tears folks… lots of tears… (and apparently lots of booze).

Look at those trend lines!  Are they not a work of art? How predictable are we ay?  Like a pair of synchronized swimmers, we move effortlessly through the water (booze) with every turn (gulp) in perfect harmony.

And the pie chart sure shows a lot of year-over-year progress… yay us!

Wait, I spotted something.  Look at the little orange trend line for Q1 2014 above.  See how it perkily points up to the right?  There’s definitely a wayward habit starting there.  Better nip it in the bud before it becomes a run-a-way train.

Note to self:  Talk (plead) with the Irishman and show him these graphs.  Wait don’t show him the year-over-year graphs ’cause he thinks that gives him license… you know how he thinks.  Use your psychology.  OK, just focus him in on the little orange Q1 trend line and remind him how we like to party-hardy at the kot-kot.   And remind him to get that wine on!!  Whew!

Now I know that you’re dying to compare your numbers with mine.  Sounds so dirty, doesn’t it?

Go dig ’em out and give it to me.  Is your booze budget more or less than mine (2 people)?  I got my big a$$ panties on so don’t be shy.

BTW, I did not drink the 1.5 litre of Jackson Triggs this weekend.  It is hidden. 😉

P.S.  Had a good laugh when I noticed something  See the red negative number in the 2012 chart in October?  That is when I made him take some booze back.  I kid you not.